Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New Jersey before hiring.
Showing 8 mortgage refinance companies in Paterson, NJ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Chase Mortgage
1117 Main St #19, Paterson, NJ 07503
9737423060
Patrick Nicholson - Mortgage Loan Officer
301 Main St, Paterson, NJ 07505
2018033504
Phoenix Financial Services
Plymouth Rd #20, Paterson, NJ 07502
2016575229
PNC Mortgage
808 Market St, Paterson, NJ 07513
9738813037
PNC Mortgage
1152 Main St, Paterson, NJ 07503
9738813070
PNC Mortgage
191 Market St, Paterson, NJ 07505
9738813020
Chase Mortgage
148 Market St, Paterson, NJ 07505
9738811968
PNC Mortgage
321 E 33rd St, Paterson, NJ 07504
9738813047
What Does a Mortgage Refinance Company in Paterson Cost?
Typical costs for a mortgage refinance in New Jersey range from 2 to 5 percent of the loan amount. For a 200,000 dollar loan, you might pay between 4,000 and 10,000 dollars in closing costs. These costs include an appraisal fee of 400 to 600 dollars, a title search fee of 300 to 500 dollars, and lender origination fees. New Jersey also charges a mortgage recording fee of about 0.50 percent of the loan amount. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to refinance a mortgage in Paterson?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. New Jersey lenders also require a property appraisal and a copy of your current mortgage note. Gather these documents before applying to speed up the process.
How long does a mortgage refinance take in New Jersey?
A standard refinance in New Jersey usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer. Your lender must provide a closing disclosure at least three business days before closing.
Are there New Jersey specific fees for refinancing?
Yes, New Jersey charges a mortgage recording fee and a state deed tax on refinances. The recording fee is based on the loan amount, and the deed tax is typically 0.50 percent of the mortgage principal. These costs are in addition to lender fees and appraisal costs.